Phunzirani zonena za inshuwaransi yamagalimoto pamarekodi ndi mabodza

Ngati wina achita ngozi ya galimoto, zimakhala zovuta kwambiri. Koma akapereka chikalatacho ndikuchigwirira ntchito, galimoto yawo ikhala bwino. Chifukwa chake, wina akanena inshuwaransi yagalimoto, chinthu chokhacho chomwe amadabwa ndi momwe ma inshuwaransi yagalimoto amakhalabe pa mbiri yawo. Chabwino, nthawi imadalira dziko limene munthuyo akukhala.

Kawirikawiri, m’madera ambiri, mbiri yoyendetsa galimoto imakhalapo kwa zaka zitatu kapena zisanu. Komabe, izi sizofunikira kwenikweni; Kupereka chiwongola dzanja cha inshuwaransi kungapangitse kuti malipiro a mwezi ndi mwezi a inshuwaransi yagalimoto azilipidwa. Chifukwa chake, pali zinthu zingapo zomwe zimabweretsa mitengo ya inshuwaransi komanso nthawi yazinthu za inshuwaransi m’marekodi.

Kodi madandaulo a inshuwaransi yamagalimoto amakhalabe pa mbiri yawo mpaka liti?

Nthawi yodziwika kuti zonena za inshuwaransi zikhalebe pa mbiri yoyendetsa ndi zaka zitatu kapena zisanu. Komabe, nthawi yeniyeni imadalira dziko limene munthuyo akukhala. Mwachitsanzo, ngati akumana ndi ngozi yagalimoto ndikulemba chiwongolero, pali mwayi woti mtengo wa inshuwaransi yagalimoto udzakwera mkati mwa zaka zitatu zotsatira pambuyo pa kukhazikika.

Chifukwa chake, mayiko ena amawonjezera nthawi yoti inshuwaransi yamagalimoto ikhalebe pa mbiri yoyendetsa ngati munthu akumana ndi zodandaula zazikulu. Mwachidule, mayiko ena amalola kuti milandu yodziwika bwino ya ngozi ikhalebe pa mbiri kwa zaka zitatu pomwe mbiri yotsimikizika ya DUI imakhala zaka zisanu.

Anthu ambiri sadziwa kuti pali chonena chimodzi kapena zingapo pa mbiri yoyendetsa. Ambiri akuda nkhawa ndi ngozi zapamsewu ndipo amati amakhalabe pamawu pazifukwa ziwiri zokha. Choyamba ndi chilolezo, ndipo chachiwiri ndi mitengo ya inshuwalansi ya galimoto.

Kodi mbiri yawo yoyendetsa ingakhudze bwanji mitengo ya inshuwaransi yagalimoto?

Wina atha kupeza kuti mitengo ya inshuwaransi yamagalimoto ndi yotsika mtengo ngati ali ndi mbiri yoyendetsa bwino komanso yopanda ngozi. Komabe, munthu akayika chiwongolero cha inshuwaransi yagalimoto pa rekodi yoyendetsa, mwayi wa inshuwaransi umangokwera.

Komabe, mitengo yokwera ili chifukwa chakuti makampani a inshuwalansi amakhulupirira kuti pali ngozi yaikulu yokhudzana ndi dalaivala, makamaka achinyamata. Ngati wina ali ndi zodandaula zambiri pa mbiri yoyendetsa galimoto, wina akhoza kukhala ndi zoopsa zambiri, malinga ndi makampani a inshuwalansi.

Izi zili choncho chifukwa makampani a inshuwalansi ya galimoto amatha kutenga chiopsezo cha ngozi za galimoto ndikuwalipiritsa ndalama zowonjezera ponena za chitetezo.

Malipiro apamwezi amawonjezeka ndikuwonjezeka pakapita nthawi. Pamapeto pake, akakhala kuti alibe zonena za inshuwaransi yamagalimoto pa mbiri yawo yoyendetsa, mitengo ya inshuwaransi idzakhala yofanana. Koma monga zaka zitatu kapena zisanu, mitengo ya inshuwaransi ingasinthe.

Kodi mbiri ya inshuwaransi yagalimoto ndi chiyani?

Lipoti la mbiri ya inshuwaransi yagalimoto ndi chidule chachidule chomwe chimafotokoza zonena za dalaivala ndi mbiri yoyendetsa. Lipotili limatchedwanso comprehensive loss insurance exchange.

Sarah Rother, Mtsogoleri wa Outreach ku CarInsuranceComparison.com, akulemba zambiri zomwe zili mbali ya lipoti la CLUE:

  • Dzina
  • tsiku lobadwa
  • policy kodi
  • mbiri yotayika
  • mtundu wotayika
  • Ndalama zonse zomwe makampani a inshuwaransi amalipira
  • Kufotokozera Kwambiri
  • Adilesi yanyumba

Munthu akafunsira inshuwaransi yagalimoto yawo, kampani ya inshuwaransi ingapemphe lipoti la CLUE kuti lidziwe mbiri ya dalaivala ndi zonena zakale. Ngati lipoti la CLUE la dalaivala lili ndi ngongole imodzi kapena zingapo, angafunikire kulipira inshuwalansi yapamwamba ya galimoto. Lipoti la CLUE liwonetsa zonse zomwe anena m’zaka zisanu ndi ziwiri zapitazi.

Kodi inshuwaransi yagalimoto imawononga ndalama zingati ngati munthu wapereka chiwongola dzanja?

Chabwino, pali zifukwa zingapo zomwe zimatsimikizira mitengo ya inshuwalansi ya galimoto. Kampani ya inshuwaransi yamagalimoto imaganizira zinthu zosiyanasiyana popereka inshuwaransi yamagalimoto. Komabe, nayi mndandanda wazinthu zomwe zimathandizira mtengo wa inshuwaransi yamagalimoto.

  • zaka
  • kugonana
  • Banja
  • Mbiri yoyendetsa
  • Mulingo woyenera
  • Khodi Yapositi
  • Mtundu Wagalimoto
  • Mbiri yakale

Ngati munthuyo ali ndi zaka za m’ma 30 ndi 40 ndipo ali ndi mbiri yabwino yoyendetsa galimoto, mwayi wa inshuwalansi ndi wotsika kwambiri. Mosiyana ndi izi, ngati wina ali ndi zonena zambiri za mbiri yoyendetsa galimoto, mitengo ya inshuwaransi idzakhala yokwera pang’ono. Komabe, pafupifupi mtengo wa inshuwaransi umachokera ku $1,347 mpaka $4,700.

Kodi munthu angapeze bwanji inshuwaransi yotsika mtengo pomwe pempho laperekedwa?

Mmodzi akapereka zomwe anena, zingatenge nthawi, koma mwayi ndi wakuti kampani ya inshuwaransi yamagalimoto ikhoza kuwonjezera mitengo ya inshuwaransi. Komabe, ngati kampaniyo sisintha mitengo ya inshuwaransi yamagalimoto ndikuwafunsa kuti akonzenso chithandizo, palibe chifukwa chosinthira inshuwaransi mpaka atafuna.

Pali kuthekera, nthawi zina, kuti mitengo ya inshuwaransi yamagalimoto ikhoza kukhala yotsika. Koma pali makampani ambiri omwe amapereka zosankha zawo monga kukhululukidwa ngozi kwa omwe ali ndi ndondomeko zomwe kuwonjezeka kwa inshuwalansi ya galimoto kungapewedwe mosavuta.

Mosiyana ndi zimenezi, ngati kampani yawo ya inshuwalansi imakweza mitengo ya inshuwalansi ya galimoto ndipo sakufuna kupereka chithandizo cha galimoto m’tsogolomu, ndi bwino kusankha mitengo ya inshuwalansi kuchokera ku makampani osiyanasiyana.

Ndikofunikira kuti munthu afanizire mitengo kuchokera kumakampani angapo a inshuwaransi chifukwa zitha kuthandiza munthu kupeza chithandizo chabwino kwambiri pamtengo wotsika mtengo womwe umagwirizana ndi bajeti yawo.

Madandaulo a inshuwaransi yamagalimoto ndi zolemba zamagalimoto

Makampani a inshuwalansi ya galimoto amasamalira kwambiri mbiri yawo yoyendetsa galimoto. Chifukwa chake, ngati munthu ali ndi zonena zambiri za ngozi pa mbiri, palibe kukayika kuti munthu adzayenera kulipira zambiri za inshuwaransi yagalimoto. Komabe, ngati alibe madandaulo a inshuwaransi yamagalimoto, mitengo ya inshuwaransi imakhalabe yofanana.

Mwachitsanzo, kampani ya inshuwaransi iwona kukhudzidwa kwa DUI ndi lipoti la CLUE mozama kwambiri, ndikuzindikira mtengo weniweni wa inshuwaransi. Komabe, ndikofunikira kwambiri kuti mudutse malamulo a inshuwaransi yagalimoto ndi zikhalidwe kuti muwonetsetse kuti sizikumana ndi zotsatirapo zilizonse m’tsogolomu.

Kulumikizana ndi media
Dzina la Kampani: CarInsuranceComparison.com
wolumikizana naye: Sarah Rother
Imelo: Tumizani imelo
fuko: United States
tsamba: https://www.carinsurancecomparison.com/

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